Online Toyota Tundra Insurance Rates [Cheap Coverage Guide]

Average Toyota Tundra car insurance rates cost $1,468 a year, or around $122 a month. Shop around to find cheap Toyota Tundra insurance rates. On average, Toyota Tundra comprehensive insurance coverage costs $358, collision coverage costs $522, and liability coverage costs $414.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • The typical annual insurance rate for a Toyota Tundra is around $1,250
  • The Toyota Tundra has been voted the most dependable large pickup by J.D. Power
  • Because the truck boasts many safety and anti-theft features, owners pay less in insurance premiums

Toyota Tundra insurance rates are around $1,468 a year or $122 a month for full coverage. Good drivers can qualify for up to $605 in good driver discounts on their policy by practicing safe driving habits. Let’s take a closer look at Toyota Tundra insurance rates, safety ratings, and more.

You can start comparing quotes for Toyota Tundra car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Tundra Insurance Cost

The average Toyota Tundra car insurance costs are $1,468 a year or $122 a month.

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Are Toyota Tundras Expensive to Insure?

The chart below details how Toyota Tundra insurance rates compare to other trucks like the Chevrolet Silverado 2500HD, Nissan Frontier, and Chevrolet Silverado.

Vehicle Comprehensive Collision Liability Total
Toyota Tundra $336 $532 $420 $1,468
Chevrolet Silverado 2500HD $362 $688 $420 $1,650
Nissan Frontier $294 $500 $420 $1,394
Chevrolet Silverado $322 $562 $420 $1,484
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
GMC Sierra 2500HD $336 $656 $420 $1,592
Ford F-150 $322 $470 $372 $1,322
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However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What Impacts the Cost of Toyota Tundra Insurance?

The Toyota Tundra trim and model you choose can impact the total price you will pay for Toyota Tundra insurance coverage.

Age of the Vehicle

The average Toyota Tundra car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Toyota Tundra are $1,468, while 2010 Toyota Tundra rates are $1,230, a difference of $238.

Model Year Comprehensive Collision Liability Total
2020 Toyota Tundra $336 $532 $420 $1,468
2019 Toyota Tundra $320 $512 $440 $1,452
2018 Toyota Tundra $306 $506 $450 $1,442
2017 Toyota Tundra $296 $494 $470 $1,440
2016 Toyota Tundra $286 $474 $486 $1,426
2015 Toyota Tundra $270 $458 $500 $1,408
2014 Toyota Tundra $260 $424 $510 $1,374
2013 Toyota Tundra $250 $400 $514 $1,344
2012 Toyota Tundra $240 $358 $520 $1,298
2011 Toyota Tundra $224 $330 $520 $1,254
2010 Toyota Tundra $216 $310 $524 $1,230
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Driver Age

Driver age can have a significant effect on the cost of Toyota Tundra car insurance. For example, a 20-year-old driver could pay around $150 more each month for their Toyota Tundra car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Tundra insurance rates. For example, drivers in Phoenix may pay $807 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your Toyota Tundra auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Tundra car insurance with violations on their driving record.

Toyota Tundra Safety Ratings

Your Toyota Tundra auto insurance rates are influenced by the Toyota Tundra’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Toyota Tundra Crash Test Ratings

Good Toyota Tundra crash test ratings can lower your Toyota Tundra auto insurance rates. See Toyota Tundra crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2019 Toyota Tundra PU/EC 4WD 4 stars 4 stars 5 stars 4 stars
2019 Toyota Tundra PU/EC 2WD 4 stars 4 stars 5 stars 3 stars
2019 Toyota Tundra PU/CC 4WD 4 stars 4 stars 5 stars 4 stars
2019 Toyota Tundra PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
2018 Toyota Tundra PU/EC 4WD 4 stars 4 stars 5 stars 4 stars
2018 Toyota Tundra PU/EC 2WD 4 stars 4 stars 5 stars 3 stars
2018 Toyota Tundra PU/CC 4WD 4 stars 4 stars 5 stars 4 stars
2018 Toyota Tundra PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
2017 Toyota Tundra PU/RC 4WD 4 stars 4 stars 5 stars 4 stars
2017 Toyota Tundra PU/RC 2WD 4 stars 4 stars 5 stars 3 stars
2017 Toyota Tundra PU/EC 4WD 4 stars 4 stars 5 stars 4 stars
2017 Toyota Tundra PU/EC 2WD 4 stars 4 stars 5 stars 3 stars
2017 Toyota Tundra PU/CC 4WD 4 stars 4 stars 5 stars 4 stars
2017 Toyota Tundra PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
2016 Toyota Tundra PU/RC 4WD 4 stars 4 stars 5 stars 4 stars
2016 Toyota Tundra PU/RC 2WD 4 stars 4 stars 5 stars 3 stars
2016 Toyota Tundra PU/EC 4WD 4 stars 4 stars 5 stars 4 stars
2016 Toyota Tundra PU/EC 2WD 4 stars 4 stars 5 stars 3 stars
2016 Toyota Tundra PU/CC 4WD 4 stars 4 stars 5 stars 4 stars
2016 Toyota Tundra PU/CC 2WD 4 stars 4 stars 5 stars 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Toyota Tundra Safety Features

The Toyota Tundra safety features can help lower insurance costs. According to AutoBlog, the 2020 Toyota Tundra has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Lane Departure Warning

Toyota Tundra Insurance Loss Probability

The Toyota Tundra’s insurance loss probability varies between different coverage types. The lower percentage means lower Toyota Tundra auto insurance costs; higher percentages mean higher Toyota Tundra auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -12%
Property Damage 5%
Comprehensive -4%
Personal Injury -37%
Medical Payment -25%
Bodily Injury -6%
Source: Insurance Institute for Highway Safety
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Toyota Tundra Finance and Insurance Cost

If you are financing a Toyota Tundra, most lenders will require your carry higher Toyota Tundra coverages including comprehensive coverage, so be sure to compare Toyota Tundra car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Toyota Tundra Insurance

There are many ways that you can save on Toyota Tundra car insurance. Below are five actions you can take to find cheap Toyota Tundra auto insurance rates.

  • Ask About Welcome Discounts
  • Improve Your Credit Score
  • Consider Renting a Car Instead of Buying a Second Toyota Tundra
  • Buy An Older Toyota Tundra
  • Don’t Always Pick the Cheapest Toyota Tundra Insurance Policy

Top Toyota Tundra Insurance Companies

Who is the top auto insurance company for Toyota Tundra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Tundra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Tundra offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Toyota Tundra Insurance Quotes Online

Start comparing Toyota Tundra auto insurance quotes for free by using our FREE online comparison tool.

Many Toyota enthusiasts rejoiced to see the emergence of an import full-size pickup on the U.S. market, and at an average cost of $1,253 for a 12-month insurance policy, the Toyota Tundra continues to elate its supporters.

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The Toyota Tundra is a full-size pickup that competes with the big three American truck brands very nicely. It offers some very valuable insurance advantages as well.

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What advantages does the Toyota Tundra offer?

Toyota offers a two-year, 25,000-mile warranty standard with every new Tundra. This warranty includes a complimentary maintenance plan, as well as roadside assistance.

Insurance companies view this with favor because the manufacturer will cover most of the repair expenses and lower the amount of money the insurer has the potential of paying out on the policy.

Standard features on the Toyota Tundra help to lower insurance rates as well.

This truck comes with daytime running lights, a tire pressure monitor system, anti-lock brakes, an advanced airbag system, and smart stop technology.

All of these features help to increase the safety of the Toyota Tundra, which gives peace of mind to both Tundra owners and their insurers.

In addition, Toyota offers optional features for the Tundra that may decrease insurance rates; namely, the anti-theft system, which includes an alarm and engine immobilizer.

Alarms decrease the risk of theft and insurers, for obvious reasons, view this in a positive light.

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How much importance do reliability and safety carry in terms of insurance rates?

Toyota has long been considered to be a leader in the automotive market in terms of its safety and reliability. The Tundra does not deviate from this reputation.

It has been ranked as the most dependable large pickup for the past six years by J.D. Power and Associates. This is an important ranking because it validates the belief that the Tundra does not present a significant risk to the insurer in terms of repair costs.

The Tundra also receives high marks for safety. Both the 2011 and the 2012 models received an overall 4-Star Safety rating from the federal government.

This rating is a combination of the Tundra’s rollover resistance test score, as well as its scores in the frontal and side crash tests. An insurer will view a vehicle that receives good safety ratings more favorably than one that does not receive high marks.

The respectable safety ratings, combined with the standard safety features, provide a distinct advantage for the Toyota Tundra. This will be reflected in car insurance policy quotes.

Beyond those discussed above, what other factors will impact my insurance rate?

Insurers companies base their quotes on the amount of risk they believe they are taking by issuing an insurance policy. If a driver or a vehicle is seen as high-risk, the insurer will charge more because there is a greater probability of money going out on the policy.

They like to see good safety and reliability scores because it lowers their risk, but there are other aspects of both the vehicle and the driver that they believe will lower their risk as well.

The first risk factor is age.

Younger drivers are not as experienced as their older counterparts and there is a higher probability that they will be in an accident.

If the probability is higher that the insurer will have to pay a claim, the insurance rate will logically be higher. In general, those under the age of 25 will see higher rates while those in their fifties will most likely enjoy the lowest rates.

Gender and marital status also play into the risk equation. Females are viewed as safer drivers by insurance companies, as are drivers who are married. Statistics generally support these stereotypes.

The second risk factor is your driving record.

If you have multiple traffic violations then you are going to be considered a higher risk for the insurance companies, which will be reflected in your premium.

Geography is the third risk factor taken into account by insurers.

Some areas have a great deal of traffic congestion and, therefore, a higher incidence of accidents, which poses a higher risk to the insurer. Also, there are areas that have high rates of theft, which pose a higher risk as well.

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